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Insurance

University of Michigan Health System accepts most insurance plans including various managed care plans. We recommend that you check with your health plan to determine health care coverage at the University of Michigan before scheduling your hospital or clinic visit.

If we have a contract with your insurance plan, you will be asked to pay for any out of pocket costs such as co-payments, co-insurance, deductibles and non-covered services (Insurance contracts change periodically, and we recommend you check with your insurance benefit to see if they include us in their network). Your insurance company will have the most accurate information related to your benefits.

If your insurance is not one of the Participating Insurance Plans listed below, we will send your insurance plan a bill as a courtesy, but any amounts your insurance company does not pay will be your responsibility.

Referrals and Authorizations

Many insurance plans require referrals and /or authorizations for services to be covered. A referral is permission from your primary care physician and your health plan to see a particular provider or to have specific procedures done. If your plan requires a referral, your primary care physician must provide the referral prior to services being rendered.

Authorizations are often required for procedures such as surgery or MRI. If an authorization is required, UMHS clinic staff will obtain the authorization from your health plan prior to the service. If you have any questions about whether a service will be authorized, please call your health plan.

You may be responsible for payment if the necessary approvals are not in place.

Multiple Insurance Plans

If you have multiple insurance plans, those plans must agree on coordination of benefits order. Coordination of benefits determines who will be billed primary or secondary for your services. Some insurance companies require patients to verify this order every year. If your insurance company has sent you a coordination of benefits request they may refuse to pay your bills until you have responded. Delays in your response could result in you receiving a bill.